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From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…

Teacher for over a decade, and I will give you the balanced answer because both SPM is everything and SPM is useless are wrong. The truth: S…

From my experience, PTPTN is one of the cheapest loans you'll ever get, the administrative charge is low compared to any commercial loan, an…

Don't panic la. My cousin also fail BM and he still study diploma in a private college, no problem one. But if you target IPTA or matrikulas…

Fresh working, tight budget, and asking about used continental, please, get the Myvi (or Axia/Bezza). Here's the reality nobody young wants …

PTPTN charges a low 1% "upah urus" (admin/ujrah), not conventional interest, so the cost of holding it is very low compared to other debt. S…

Rule of thumb i pakai: benda macam demam, selesema, batuk, sakit perut biasa, pergi klinik panel je sebab company cover dan cepat dapat MC. …

Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prose…

For convenience, online wins easily, the small service charge (few ringgit) is worth not queuing at JPJ or Pos. Options: MyEG (delivers the …

Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…

Depends who issued it: PDRM/JPJ traffic summons vs local council (MBPJ, DBKL etc) parking compound are different systems. For a genuinely un…

Yes, this is exactly what SOCSO (PERKESO) covers, it's called a commuting accident under the Employment Injury Scheme, an accident during th…

KL to Kelantan Raya veteran here. The single biggest tip: leave at an odd hour, not when everyone else does. I leave around 2 to 4am the day…

From my experience with two kids, you're overthinking the 'starting line' pressure, that's marketing talk that stresses parents. At age 4, w…

Kajang to city, the MRT is your friend, seriously consider park-and-ride. What worked for me on a similar route: drive to the nearest MRT/LR…

Used four different telcos over the years across the Peninsula and East Malaysia, so here is the unglamorous truth: there is no single best …

I duduk dengan mak mertua dah 5 tahun, so far okay sebab ada ground rules dari awal. Tips penting: (1) Set boundaries secara halus, contoh b…

Rented rooms in KL for 5 years across 4 units, so learn from my kena. Standard deposit is usually 2 months rental plus half month utility de…

Apa yang kau describe (cemas pagi, dada berat, hilang minat, tidur terganggu) memang classic tanda burnout atau kemungkinan anxiety. Ini buk…

The real issue here is not your mak mertua, it is your husband not standing as a team with you. I learned this the hard way. No matter how y…

Congrats. Budget really depends on scale, guest count and expectations, but let me give ranges from what I saw. A modest but nice wedding th…

Bought both ways in my life, so here is the honest math for a fresh grad. A new Myvi or Axia is popular for very good reasons: strong resale…

I went through this recently. The honest answer depends on his study style and your budget. Matrikulasi is subsidised and short, great if of…

Congrats on the results! I did STPM and here is the real talk. Matrikulasi is 1 year, easier syllabus, and CGPA generally higher which helps…

I've been working in KL for a few years now, and I can tell you that the average bonus for a first-year employee is around RM3,000 to RM6,00…